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Crédit Agricole S.A.Update of the Registration document 2011 - A03Emporiki€m Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Revenues 177 197 179 159 149 186 176 186 186 178 191 204 191 174 169 186 161 125Operating expenses (151) (150) (158) (188) (149) (172) (152) (170) (140) (183) (139) (133) (130) (133) (129) (180) (124) (146)Gross operating income 26 47 21 (29) 0 14 24 16 46 (5) 52 71 61 41 40 6 37 (21)Cost of risk (45) (46) (93) (304) (172) (188) (159) (138) (254) (315) (259) (194) (220) (348) (470) (379) (829) (377)Equity affiliates 5 2 (1) 1 (1)Net income on other assets 32 13 6 7Change in value of goodwill (254) (485) (418) (359)Pre-tax income (19) 1 (67) (585) (172) (175) (586) (110) (208) (738) (207) (117) (159) (666) (430) (366) (792) (398)Tax (2) (2) (44) (45) 15 (29) (2) (6) (4) (4) (4) (6) (3) (152) (3) (5) (133) 12Net gain/(loss) on discontinued operations (1) 2 0 0 0 0 0Net income (21) (2) (109) (630) (158) (203) (588) (116) (212) (742) (210) (122) (162) (818) (433) (371) (925) (386)Minority interests (7) (1) (35) (103) (43) (47) (16) (21) (28) (29) (19) (11) (23) (40) (36) (19) (20) (16)Net income Group share (14) (2) (74) (527) (115) (156) (572) (95) (184) (713) (191) (111) (139) (777) (397) (352) (905) (370)Other IRB entities€m Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Revenues 219 237 244 133 189 191 199 212 199 198 189 194 190 186 190 190 185 215Operating expenses (164) (166) (166) (72) (137) (130) (130) (126) (132) (128) (123) (138) (129) (131) (129) (137) (132) (130)Gross operating income 55 71 78 60 53 60 69 86 67 70 66 57 61 55 61 53 53 85Cost of risk (25) (17) (29) (56) (48) (36) (57) (80) (44) (53) (44) (50) (43) (36) (32) (40) (42) (36)Equity affiliates 39 1 14 (159) 47 40 36 22 47 25 41 (4) 28 27 10 (976) 24 28Net income on other assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 2 (2)Change in value of goodwill 0 0 0 (25) 0 0 0 0 0 0 0 (28) 0 0 0 (60) 0 0Pre-tax income 68 55 63 (180) 51 66 47 28 70 42 63 (25) 46 47 40 (1 024) 37 75Tax (110) (12) (8) 5 (1) (15) (14) 3 (6) (8) (7) (1) (3) (11) (6) (5) (10) (12)Net gain/(loss) on discontinued operations 0 0 0 28 6 5 89 58 4 3 3 12 1 13 0 0 2 2Net income 66 43 55 (146) 57 54 122 89 67 37 58 (16) 44 48 34 (1 029) 29 65Minority interests 14 13 11 18 14 12 10 11 13 10 10 9 5 4 8 5 1 7Net income Group share 52 31 44 (164) 43 43 111 78 54 28 48 (24) 39 43 26 (1 033) 28 58Specialised financial services€m Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Revenues 725 744 737 783 853 903 948 976 983 993 968 1 001 1 004 996 971 956 921 884Operating expenses (396) (402) (392) (418) (431) (409) (422) (444) (429) (434) (430) (441) (421) (427) (416) (480) (410) (384)Gross operating income 329 342 345 365 422 494 526 532 554 559 538 560 583 569 555 476 511 500Cost of risk (140) (127) (184) (232) (265) (311) (318) (426) (328) (335) (321) (314) (318) (360) (323) (606) (625) (444)Equity affiliates 2 2 2 2 2 2 1 5 3 3 3 3 3 4 3 4 5 5Net income on other assets 1 (5) 4 1Change in value of goodwill (247)Pre-tax income 192 217 158 139 160 185 209 111 229 227 220 249 268 213 235 (373) (109) 61Tax (62) (75) (51) (45) (60) (71) (83) 78 (86) (85) (71) (87) (93) (71) (96) 18 (3) (34)Net gain/(loss) on discontinued operations 5Net income 130 142 107 94 100 114 126 189 143 142 149 162 175 147 139 (355) (112) 27Minority interests 11 7 0 (6) 10 10 14 39 16 15 15 13 15 9 13 (22) (84) (29)Net income Group share 119 135 107 100 90 104 112 150 127 127 134 149 160 138 126 (333) (28) 56Page 64 sur 237